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Some say you should charge a balance of less than 20 percent to show utilization. For those who don’t know, utilization is the debt-to-credit limit ratio on revolving accounts such as credit cards.Thanks for asking this question during our May 16 live chat on credit scores. Utilization contributes toward the amounts-owed portion of your FICO score, a scoring model commonly used by lenders.“The score wants to see some kind of activity,” he says.As for whether a zero balance will raise your credit score, it depends on what the utilization was the last time the score was pulled, as well as all the other factors that go into the score, such as payment history and number of credit inquiries.Paperno gave an example of someone with just one credit card.

Well there are many great cities in the UK like Edinburgh, Birmingham, Glasgow, Sheffield and many more.Utilization is figured for each card as well as all cards.While having one or some of your cards at a zero balance is fine, having zero balances on all of your revolving accounts can cost you a few points, Paperno says.Here’s the email that IHG Rewards Club sent out: Conclusion Weren’t all IHG Rewards Club Spire Elite members expecting more spiced up benefits?It is easy to make a mistake with toll free numbers and this is not the first time something like this happened.

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